Hanover County property record for 12323 Cheroy Rd, Ashland, VA 23005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,116 sqft · built 1970 |
| Lot Size | 3.8 acres (165,528 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,826 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 7789-86-0050 |
| Primary APN | 7789-86-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,116 sqft Living Area |
| Gross Area | 2,196 sqft |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 1,080 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 165,528 sqft (3.8 acres) |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10171629 |
|---|---|
| Street Address | 12323 CHEROY RD |
| City | ASHLAND |
| State | VA |
| Zip | 23005-7926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | 12300 BLK CHEROY ROAD |
| Jurisdiction | HANOVER VA |
| Township / Civil Division | BEAVERDAM |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 320801 |
Source: Hanover County records, as of June 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12323 CHEROY RD, ASHLAND, VA 23005-7926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage CENTERAL TITLE, CENTRAL TITLE |
| Oct 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANOVER VA |
| Recording Date | Jun 15, 2026 |
| Property Address | 12323 CHEROY RD, ASHLAND, VA 23005-7926 |
| Document Number | 0000068550 |
| Book / Page | 3447 / 1127 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202668550 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CENTERAL TITLE, CENTRAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 12323 CHEROY RD, ASHLAND, VA 23005-7926 |
| Document Number | 0000068550, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 3447/1127 |
| Instrument | 202668550 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 5.99% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANOVER VA |
| Property Address | 12323 CHEROY RD, ASHLAND, VA 23005-7926 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0033843057 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | 3384/3057 |
| Instrument | 20231024000098640 |
| Name | NFM LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
Source: Hanover County assessment roll, as of June 4, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Hanover County |
| Unified School District | Hanover County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,826.00 | $348,900 Land $112,000 Building $236,900 | $348,900 Land $112,000 Building $236,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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